Rates

(Effective February 1, 2018)

Certificate of Deposit
Account Term Interest Rate Annual
Percentage
Yield
Minimum Deposit
to Open Account
Minimum Balance
to Obtain APY
1-5 Months .30% .30% $1,000.00 $1,000.00
6-11 Months .50% .50% $1,000.00 $1,000.00
12-17 Months .80% .80% $1,000.00 $1,000.00
18-23 Months .90% .90% $1,000.00 $1,000.00
24-25 Months 1.00% 1.00% $1,000.00 $1,000.00
30 Months 1.10% 1.10% $1,000.00 $1,000.00
36 Months 1.35% 1.36% $1,000.00 $1,000.00
48 Months 1.75% 1.76% $1,000.00 $1,000.00
60 Months 2.20% 2.22% $1,000.00 $1,000.00
Substantial penalty for deposits withdrawn before the maturity date. The Annual Percentage Yields listed above are calculated on certificates compounding quarterly.  However, in certain circumstances a certificate could possibly compound monthly, quarterly, semi-annually or annually.  Annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Contact any employee for further information.

 

Journey Ahead Certificate of Deposit
Account Term Interest Rate Annual
Percentage
Yield
Minimum Deposit
to Open Account
Minimum Balance
to Obtain APY
Journey Ahead CD - 1 Year 1.00% 1.00% $25.00 $25.00
Journey Ahead CD - 3 Year 1.50% 1.51% $25.00 $25.00
Journey Ahead CD - 5 Year 2.20% 2.22% $25.00 $25.00
Eligibility Requirements: Primary owner of the Journey Ahead CD must be under 18 years of age at account opening. Secondary owner must be 18 years of age or older at account opening. Substantial penalty for deposits withdrawn before the maturity date. The Annual Percentage Yields listed above are calculated on certificates compounding quarterly.  However, in certain circumstances a certificate could possibly compound monthly, quarterly, semi-annually or annually.  Annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Contact any employee for further information.

 

Variable Rate Accounts
Account Type Interest Rate Annual
Percentage
Yield
Minimum Deposit
to Open Account
Minimum Balance
to Obtain APY
 
Demand Deposit        
NOW Accounts* (Compounds Monthly) .05% .05% $100.00 any amount
Money Market* (Compounds Monthly) .15% .15% $100.00 any amount
Savings Accounts        
Passbook Savings* (Compounds Quarterly) .15% .15% $50.00 any amount
Christmas Club* (Compounds Annually) .10% .10% $50.00 any amount
Monthly Variable Rate IRA        
Passbook IRA* (Compounds Daily - Paid Annually) .50% .50% $50.00 any amount
HSA Accounts        
HSA Accounts* (Compounds Monthly) .05% .05% $100 any amount
*The rate may change after the account is opened. *Fees could reduce the earnings on the account.
Member FDIC and Equal Housing Lender.

 

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